Wesbanco Bank Charleston in Charleston, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 15, 2000

  • Wesbanco Bank Charleston in Charleston, West Virginia (WV)
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Wesbanco Bank Charleston - Overview

  • General
  • FDIC Certificate #: 21887
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wesbanco Bank, Inc. (#803)
    Federal Reserve ID: 766427
    Date Established: January 03, 1975
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 15166
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 03, 1975
    Last Structure Change Effective Date: January 15, 2000
    Last Structure Change Process Date: March 29, 2000
    Last Data Update: March 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 852 Oakwood Road, Charleston, WV 25314
    County: Kanawha
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Scott Depot
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Charleston, WV (#1480)
    Core Based Statistical Area (CBSA): Charleston, WV (#16620)
    CBSA Metro Statistical Area: Charleston, WV (#16620)
  • Financial Summary
  • Total assets: $145.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1999)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $145,238Total assets
  • $4,619Cash and due from depository institutions
  • $0Interest-bearing balances
  • $39,203Securities
  • $4,865Federal funds sold & reverse repurchase agreements
  • $83,344Net loans & leases
  • $1,110Loan loss allowance
  • $0Trading account assets
  • $5,757Bank premises and fixed assets
  • $463Other real estate owned
  • $5,415Goodwill and other intangibles
  • $0Life insurance assets
  • $1,572All other assets
  • $145,238Total liabilities and capital
  • $120,899Total liabilities
  • $118,314Total deposits
  • $102,300Interest-bearing deposits
  • $118,314Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,376Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $465Other borrowed funds
  • $0Subordinated debt
  • $744All other liabilities
  • $24,339Total equity capital
  • $24,339Total bank equity capital
  • $24,339Perpetual preferred stock
  • $0Common stock
  • $1,125Surplus
  • $13,762Undivided profits
  • Memoranda
  • $9,452Noncurrent loans and leases
  • $10,630Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $13Earning assets
  • $0Long-term assets (5+ years)
  • $440Average Assets, year-to-date
  • $127,412Average Assets, quarterly
  • $57,581Volatile liabilities
  • $144,795Insider loans
  • $144,593FHLB advances
  • $14,743Loans and leases held for sale
  • $3,954Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,630Total unused commitments
  • $0Restructured Loans and leases
  • $1,029Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $9,390Total interest income
  • $3,961Total interest expense
  • $5,429Net interest income
  • $177Provision for loan and lease losses
  • $598Total noninterest income
  • $0Fiduciary activities
  • $512Service charges on deposit accounts
  • $0Trading account gains & fees
  • $86Additional noninterest income
  • $4,560Total noninterest expense
  • $2,130Salaries and employee benefits
  • $477Premises and equipment expense
  • $1,953Additional noninterest expense
  • $1,290Pre-tax net operating income
  • $3Securities gains (losses)
  • $404Applicable income taxes
  • $889Income before extraordinary items
  • $0Extraordinary gains - net
  • $889Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $155Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.30%Yield on earning assets
  • 3.08%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 3.58%Return on equity (ROE)
  • -0.04%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 114.19%Credit loss provision to net charge-offs
  • 9.46%Efficiency ratio
  • 68,475Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.24%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 8538.46%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 70.44%Net loans and leases to core deposits
  • 79.20%Equity capital to assets
  • 16.76%Core capital (leverage) ratio
  • 13.91%Tier 1 risk-based capital ratio
  • 23.57%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $144,795Average earning assets
  • $24,839Average equity
  • $128,693Average loans

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